UPI Payment Security Tips 2025 – Latest RBI & NPCI Updates Tips For Everyone Should Know And Advice

byALL ROUNDER BALA Monday, October 13, 2025

 

UPI Payment Security Tips Everyone Should Know – 2025 Latest Updates

In India, UPI (Unified Payments Interface) has completely changed the way we handle money online — from small peer-to-peer (P2P) transfers to business transactions and bill payments. But with this convenience, online frauds and scams have also grown. So, it’s very important that every UPI user knows the right safety measures and keeps up with the latest RBI / NPCI updates.

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UPI Payment Security Tips 2025 – Latest RBI & NPCI Updates Tips For Everyone Should Know And Advice


📋 Table of Contents

1️⃣ Fundamental UPI Security Tips (அனைவரும் பின்பற்ற வேண்டியது)

Tip Why It Matters How to Implement
Never share your UPI PIN / OTP Your UPI PIN authorizes money transfer — sharing it is like giving your wallet. Don’t reveal your PIN to anyone. (NPCI Safety Shield)
Enter PIN only inside your official app Fake apps mimic PIN screens to steal data. Always check the app interface before entering PIN.
Verify payee name & UPI ID Fraudsters use look-alike UPI IDs. Check displayed beneficiary name carefully.
Scan QR only for sending money Never scan QR to receive money. Use “Scan to Pay” only. (Paycorp Blog)
Keep your device secure Stolen or infected phones invite fraud. Use biometrics or PIN lock, avoid unknown apps.
Avoid public Wi-Fi Public Wi-Fi is unsafe for transactions. Use mobile data or trusted VPN.

2️⃣ Recent & Important 2025 Updates You Must Know

a. Biometric / Face Authentication

UPI transactions can now be authorized using on-device biometrics like fingerprint or facial ID, announced at the Global Fintech Fest 2025. This feature strengthens protection against spoofing and OTP-based attacks.

b. Verified UPI IDs for Investors (SEBI Rule)

From October 1, 2025, SEBI requires only verified UPI handles for broker / mutual-fund payments — helping reduce investment fraud. (Firstpost)

c. Phasing Out UPI Collect Requests for P2P

NPCI plans to discontinue “Request Money” for person-to-person payments from Oct 2025 — to stop misuse of fake requests. (PwC Report)

d. API Rate Limits & Identity Checks

From July 31 2025, NPCI implemented new API rules to avoid overload. UPI apps must show the recipient name before payment confirmation, reducing mistyped transfers. (Economic Times)

e. Risk-Based Authentication from 2026

RBI announced plans to enable dynamic authentication based on fraud risk, starting April 2026 — allowing real-time security checks. (Reuters)

f. UPI Outages & Performance Improvement

Major UPI outages in April and August 2025 highlight the need for system rate limits and better server load management.

g. New Consumer Features – Amazon Pay Circle & UPI in Japan

Amazon Pay introduced “Family Circle” for group payments and wearable transactions. NPCI International also partnered with NTT DATA to bring UPI payments to Japan for Indian travelers. (Amazon Pay News)

3️⃣ What to Do if You Notice Suspicious Activity

Follow these emergency steps (சந்தேகமான பணம் பரிமாற்றம் நடந்தால்):

  1. Immediately lock or deactivate your UPI ID using the app.
  2. Contact your bank support and raise a dispute ticket.
  3. Change your UPI PIN and login passwords.
  4. Monitor your account for unauthorized deductions.
  5. If needed, report to Cyber Crime Portal or nearest Police Station.

4️⃣ Essential security practices

Never share your PIN. Your UPI Personal Identification Number (PIN) is for authorizing payments you send, not for receiving them. You should never share it with anyone, including individuals claiming to be bank or app representatives.

  • Be cautious of "Request Money" scams. Scammers often use the "Collect Request" feature on UPI apps. In 2025, NPCI has limited person-to-person (P2P) collect requests to ₹2,000 to curb fraud. Always verify that a request is legitimate and do not enter your PIN to receive money.
  • Verify all transaction details. Always double-check the recipient's name and UPI ID before confirming a transaction. To make this easier, a new rule implemented in June 2025 mandates that all UPI apps display the beneficiary's name as registered with their bank before you complete a payment.
  • Download apps from official sources only. Use only trusted app stores like the Google Play Store or Apple App Store to download UPI applications. Avoid clicking on app download links sent via SMS, email, or social media, as they could contain malicious software.

  • 5️⃣ How to avoid common scams

  • Beware of remote screen mirroring: 
  • Fraudsters may trick you into downloading remote screen-sharing apps like AnyDesk by posing as customer support. This gives them full access to your phone and your financial apps. Never install these apps if requested by an unknown person.
  • Scan QR codes only for payments: 
  • Remember that you only need to scan a QR code when you are sending money. If someone tells you to scan a code to receive a payment, it is a scam.
  • Don't click suspicious links: 
  • Avoid clicking on links in unsolicited messages or emails. Phishing scams use fake links to steal your personal and banking information.
  • Resist pressure tactics: 
  • Scammers often use an urgent or threatening tone to pressure you into acting quickly. Take your time to verify the transaction, and if you are suspicious, disconnect the call immediately. Monitor your accounts regularly. Keep a close eye on your transaction history and bank statements. Enable transaction alerts via SMS and app notifications to detect any unusual or unauthorized activity immediately. 

6️⃣ Conclusion & Key Takeaways

  • UPI offers fast and secure transactions — but user vigilance is the best defense.
  • Never share PIN / OTP and always double-check beneficiary details.
  • 2025 updates like biometric auth & verified handles add extra security layers.
  • Stay informed through trusted sources like NPCI and RBI updates.

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